Because the "banks" have an arbitrary list of what can and cannot be saved, I've never bothered with them. To me, they are a prescription for confusion.
I go through them (the custom settings) and once set I probably don't change them for years. For my D850 I created four pairs of custom settings. I end up only using the first, "A". I set up "D" for time laps but I have yet to use that feature.
The banks are easy to save in a BIN file to the primary memory card. Then I write protect that BIN file using a card reader and a desktop or laptop computer. I can recall my default settings any time I want. If I accidentally try to over write the BIN file I get an error message. I back up the bin file to my desktop and laptop as that BIN file will be lost when the memory card is formatted.
My first DSLR was a D2H. I really hated that I had to reset any custom settings that I changed or next time I used the camera I looked like a fool diving to the menus to get the camera to work the way I needed it to.
Something I'm finding out is the manual for my D850 was much easier to use as I had the camera in hand while using it. The menus are quite logical so I mostly used the D850 manual as a reference as needed. It has actually help me to have the D850 in hand while reading the Z8 manual.
Best
Dave